What is Bank of Richmondville's financial health grade?

Bank of Richmondville has a TFS Financial Health Grade of C- (score: 70.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Bank of Richmondville have?

Bank of Richmondville has 3 branch locations across the United States.

Is Bank of Richmondville FDIC insured?

Yes, Bank of Richmondville is FDIC insured (Certificate #12956).

What are the total assets of Bank of Richmondville?

Bank of Richmondville has total assets of $180.6M as reported in its most recent FDIC filing.

Bank of Richmondville

BankCobleskill, New York

www.bankrich.com

Total Assets

$180.6M

Total Deposits

$161.1M

Branches

Established

1893

TFS Health Grade

C-

70.5 / 100

Average financial health

How we grade

Bank of Richmondville is a bank headquartered in Cobleskill, New York, established in 1893. With $180.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (70.5/100).

Capital & Safety

Tier 1 Capital Ratio

11.71%(8%)

Total Capital Ratio

28.48%(10%)

Non-Performing Loan Ratio

0.10%

Profitability

Return on Assets (ROA)

0.72%(1%)

Return on Equity (ROE)

7.70%(10%)

Net Interest Margin

3.37%

Efficiency Ratio

78.29%(60%)

Lending & Liquidity

Total Loans

$85.1M

Loan-to-Deposit Ratio

52.00%

Net Charge-Off Ratio

0.17%

Growth

Asset Growth (YoY)

-0.04%

Deposit Growth (YoY)

-0.69%

Net Income

$1.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Bank of RichmondvilleHQ	857 E Main St	Cobleskill	NY	11
Bank of Richmondville	857 E Main St	Cobleskill	NY	11
Bank of Richmondville	428 Main St	Schoharie	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.